Home Insurance in Jackson, South Carolina
The median home value in Jackson is $199,800, 8% lower than the Aiken County median.
The typical home in Jackson was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 24 points above Aiken County's 17%.
The housing stock in Jackson is 71% single-family homes, 3% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Jackson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Jackson are owner-occupied.
In Jackson, 68% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Jackson? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Aiken County and Aiken County had 517 active NFIP flood policies as of September 2026. See the full Aiken County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $199,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Aiken County | 517 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)